Mortgage Lock-In:
Policy Writing
Featured Commentary
- Knowledge@Wharton: How Households Are Locked In by Rising Mortgage Rates (04/2023)
- Wall Street Journal (1): The Home Buyer’s Quandary: Nobody’s Selling - Many are ready to move but don’t want to lose the low-rate mortgages they locked in a few years ago, crimping the supply of homes and keeping prices high (05/2023)
- Zillow: Rate-Locked Homeowners Nearly Twice as Likely to Not Consider Selling (07/2023)
- U.S. Congressional Research Service: U.S. Housing Supply: Recent Trends and Policy Considerations (07/2023)
- NPR Planet Money (The Indicator): When mortgage rates are too low to give up (08/2023)
- Wall Street Journal (2): You've Never Had It So Good. That's Why You're Stuck - The low interest rates and high salaries of recent years have people staying put; part of the American dream slips away (10/2023)
- IMF Global Financial Stability Report: Chapter 1: Soft Landing or Abrupt Awakening? (10/2023)
- Bloomberg (1): The US Housing Market Has Become An Impossible Mess - Americans with cheap loans don’t want to sell. Those without homes can’t afford to buy. Will anything budge? (11/2023)
- Bloomberg (2): Slowest Housing Market in Years Is Weighing on Consumer Spending (12/2024)
- Business Insider: How the Canadian mortgage model may help unfreeze the housing market (03/2024)
- New York Times: A Huge Number of Homeowners Have Mortgage Rates Too Good to Give Up - On a scale not seen in decades, many Americans are stuck in homes they would rather leave. (04/2024)
- IMF World Economic Outlook: Chapter 2 Feeling the Pinch? Tracing the Effects of Monetary Policy through Housing Markets (04/2024)
- NPR Planet Money (The Indicator) (2): Are both rents AND interest rates too dang high? (featuring paper on "Unlocking Mortgage Lock-In - Evidence from a Spatial Housing Ladder Model") (07/2024)
- New York Times (2): The Housing Market Was Supposed to Recover This Year. What Happened? - Economists predicted that the United States would break free of its long-running housing slump in 2025. But the opposite happened. (06/2025)
Policy Writing
- MarketWatch Op-Ed (with Julia Fonseca): Here's the key that could unlock the U.S. housing market for buyers and sellers. (05/2024)
Featured Commentary
- ABC News: Mortgage rates are plummeting. Should homebuyers jump into the market? Buyers could realize thousands in gains but the approach carries risks. (01/2024)
- ABC News: The housing market is cooling again. Here's why. (02/2024)
- The Atlantic: Why Can't I Just Rent A House? (03/2024)
- ABC News: Biden proposes relief for homebuyers. Here's what to know. In his State of the Union, Biden put forward tax credits to ease affordability. (03/2024)
- ABC News: Here's why mortgage rates dropped to their lowest level in more than a year. (08/2024)
- ABC News: What does the Fed interest rate cut mean for mortgages and homebuyers? (09/2024)
- New York Times: Mortgage Rates Fell, Then Rose. What Comes Next? (11/2024)
- ABC News: Mortgage rates are falling. Is it a good time to buy a home? (05/2025)
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